Should go for Max FHA loan or will it hurt me for my next Loan?

[Pema Lhanang]

Thanks to BiggerPocket and Real Estate Rookie podcasts, I am planning to get my first Multi family unit to house hack, I am eligible for Max fha of 650k if I get 3 unit or 540k if I get a 2 unit, my question is should I go with the max limit or should take the lower limit of 540k? What are the advantages of taking one over the other?

Thank you so much in advance.

Pema, Chicago